What’s the Difference Between Full and Limited Tort?

Posted by McGroarty & Bradburn Insurance on December 5, 2018

Limited or Full Tort

Do you have a hard time understanding the difference between full and limited tort on your auto policy? If you do, you’re not alone. In Pennsylvania, you have a choice between full tort or limited tort on your auto insurance policy. Most states don’t have this option and the policy is automatically full tort. Commercial auto insurance in PA, doesn’t have a limited tort option.

What is full tort? Tort is the ability to bring a lawsuit against another party if they injure you in an auto accident. In Pennsylvania, you can select the limited tort option on your auto insurance and save 10-15% on your auto insurance. What you give up is your ability to sue unless you meet the “limited” requirements. Some examples of these are a “serious injury”, the other driver is convicted of a DUI or the other driver is from another state. When you select the full tort option, you do not have these limitations.

Is full tort the correct option for you? What do you have on your current policy? We’d be happy to analyze your current coverage and provide you with free proposals from our carriers with whichever tort option best fits your needs. Or if you’re not sure we can explain further and provide quotes for both options. Our goal is to customize an insurance policy to fit your needs and budget. For more information call us at 412-444-4470.

We make insurance simple by doing the work to find the right coverage at the best price, saving you time, money and providing peace of mind.